O'Kane & Tegay Insurance Brokers

What O'Kane & Tegay Insurance Brokers does

O'Kane & Tegay Insurance Brokers is a family-owned independent property and casualty insurance brokerage headquartered in San Francisco, operating continuously since 1946 and structured as a DBA of Foundation Risk Partners (CA license #0M93299), with California Department of Insurance license #0534872. The firm represents multiple regional and national carriers — including The Hartford, Travelers, California Insurance Group, Allied, Republic Indemnity, Fireman's Fund, and Distinguished Programs, plus access to non-admitted markets — enabling it to place both admitted and surplus lines business. Its product portfolio spans commercial lines (business liability, commercial auto, workers compensation, umbrella, builders risk, cyber liability, EPLI, fidelity bonds, restaurant, crime, D&O, professional liability, business interruption, earthquake, contractors liability, liquor liability) and personal lines (auto, homeowners, personal umbrella, renters, motorcycle, watercraft, collector car, collectibles, aviation, jewelry, earthquake), with a stated specialty in HOA insurance and Bay Area community associations.

The firm serves three core customer segments: small-to-mid-sized Bay Area businesses (including restaurants, contractors, property owners, and HOAs), individual consumers in the San Francisco Bay Area, and community associations, with a documented customer base exceeding 1,000 HOA management companies and hundreds of builder's risk clients. GTM motion is sales-led and relationship-driven: licensed account executives handle quotes via dedicated phone lines and online quote forms for commercial and personal lines respectively, supported by a dedicated in-house claims consultant who advocates with carriers through the claims process. The firm also holds San Francisco Human Rights Commission local business enterprise certification, providing access to municipal and public works insurance procurements.

Revenue is generated primarily through commissions paid by insurance carriers on placed business (a recurring revenue stream tied to policy renewals), with pricing determined through individualized quotes rather than published rate cards. The firm employs approximately 15 people, collectively holding over 150 years of insurance industry experience, and operates from a single office at 2145 19th Ave, San Francisco. Technology stack is standard industry tooling with no proprietary platform disclosed; the firm's differentiation rests on multi-carrier access, local market expertise, claims advocacy, and a 4.9/5 customer rating referenced across service pages.

Name

O'Kane & Tegay Insurance Brokers

Legal name

O'Kane & Tegay Insurance Brokers

Website

https://okaneinsurance.com

Company type

Private

Founded year

1946

Operating status

Operating

Headcount range

11–50 employees

Short description

O'Kane & Tegay Insurance Brokers is a family-owned independent San Francisco P&C insurance brokerage, operating since 1946 as a DBA of Foundation Risk Partners, serving Bay Area businesses, individuals, and HOAs through multi-carrier placement, specialty HOA coverage, and dedicated in-house claims advocacy.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Commercial insurance brokerage
• Personal insurance lines
• Property casualty insurance
• Independent insurance broker
• HOA insurance services

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance broker, O'Kane & Tegay earns commissions from insurance carriers for placing business. They represent multiple regional and national insurance companies including The Hartford, California Insurance Group, Travelers Insurance Company, Distinguished Programs, Allied Insurance Company, Republic Indemnity, and Fireman's Fund Insurance Company, as well as standard and non-admitted insurance carriers.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

O'Kane & Tegay Insurance Brokers is an independent property and casualty insurance brokerage that places commercial and personal insurance coverage with multiple regional and national carriers on behalf of Bay Area clients. The firm earns commissions by representing carriers such as The Hartford, Travelers, California Insurance Group, Allied Insurance, Republic Indemnity, Fireman's Fund and Distinguished Programs, and provides in-house claims advocacy and risk management consulting across its full product portfolio.

Product overview

O'Kane & Tegay Insurance Brokers operates as a traditional independent insurance brokerage offering a comprehensive portfolio of property and casualty insurance products for both commercial and personal lines. The company represents multiple regional and national insurance carriers including The Hartford, California Insurance Group, Travelers Insurance Company, Distinguished Programs, Allied Insurance Company, Republic Indemnity, and Fireman's Fund Insurance Company. The product portfolio includes commercial insurance offerings (business liability, commercial auto, workers compensation, cyber liability, EPLI, builders risk, restaurant insurance, bonds, umbrella, business interruption, crime, D&O) and personal insurance offerings (auto, homeowners, renters, motorcycle, boat, collector car, collectibles, aviation, jewelry, personal umbrella, earthquake). The company specializes in serving the San Francisco Bay Area with local expertise and has been family-owned and operated since 1946.

Differentiator

Problem solved

Functional benefit

Products and services

• Business & General Liability Insurance Commercial general liability coverage that protects businesses against third-party claims for bodily injury, property damage, personal injury, advertising injury and medical payments arising from business operations.
• Homeowners Association Insurance
• Commercial Auto Insurance
• Commercial Umbrella Insurance
• Fidelity & Surety Bonds
• Builders Risk Insurance
• Cyber Liability Insurance
• Contractors General Liability Insurance
• Employment Practices Liability Insurance (EPLI)
• Workers Compensation Insurance
• Restaurant Insurance
• Business Interruption Insurance
• Directors & Officers Liability Insurance
• Commercial Crime Insurance
• Professional Liability Insurance
• Liquor Liability Insurance
• Earthquake Insurance
• Apartment Property Owners Insurance
• Personal Automobile Insurance
• Homeowners Insurance
• Personal Umbrella Insurance
• Renters Insurance
• Motorcycle Insurance
• Boat & Watercraft Insurance
• Collector Car Insurance
• Collectibles Insurance
• Aviation Insurance
• Jewelry Insurance

Quantifiable outcome

• Reversed carrier coverage declination for professional liability matter by identifying multiple issues with denial letter
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and supporting.

• The HartfordcoreOthersNational insurance carrier represented by O'Kane & Tegay as an independent broker, providing commercial and personal insurance products to clients.
• Travelers Insurance CompanycoreOthersNational insurance carrier represented by O'Kane & Tegay as an independent broker.
• California Insurance GroupcoreOthersRegional insurance carrier represented by O'Kane & Tegay as an independent broker.
• Allied Insurance CompanysupportingOthersInsurance carrier represented by O'Kane & Tegay as an independent broker.
• Republic IndemnitysupportingOthersInsurance carrier represented by O'Kane & Tegay as an independent broker, with expertise in workers compensation coverage.
• Fireman's Fund Insurance CompanysupportingOthersInsurance carrier represented by O'Kane & Tegay as an independent broker.
• Distinguished ProgramssupportingOthersSpecialty insurance carrier represented by O'Kane & Tegay as an independent broker for specialty coverage needs.
• Foundation Risk PartnerscoreOthersParent company of O'Kane & Tegay Insurance Brokers (DBA). O'Kane & Tegay operates as a division/partnership under the Foundation Risk Partners umbrella.
• San Francisco Human Rights CommissioncoreOthersO'Kane & Tegay has been designated by the San Francisco Human Rights Commission (City and County) as a local business enterprise, approved to do business with the city for insuring public works projects and other municipality operations.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Keenan & Associates: California-domiciled independent insurance brokerage and consulting firm serving public agencies, schools, and commercial clients; comparable in independent broker model, California regional focus, and public-sector certifications.
• Brown & Riding Insurance Services: Specialty insurance brokerage placing complex and niche commercial risks across admitted and non-admitted markets; comparable in specialty-line breadth and access to non-admitted carriers for hard-to-place business.
• Bolton & Company: California-based independent insurance brokerage serving commercial and personal lines with emphasis on relationship-driven service; comparable in independent broker model, regional California footprint, and family/culture-led operations.
• Woodruff-Sawyer & Co. San Francisco-based independent insurance brokerage offering commercial and personal insurance with deep Bay Area roots; comparable in geography, independent broker structure, and emphasis on client advocacy.
• Heffernan Insurance Brokers: Independent insurance brokerage headquartered in Walnut Creek, California, serving the Bay Area with commercial and personal lines; directly comparable in independent broker model, regional California footprint, and family-influenced culture.

Broad incumbents

• Aon: Global insurance brokerage and advisory firm covering commercial and personal insurance placement; comparable end-product mix but at multinational, publicly traded scale.
• Lockton Companies: Largest privately held global insurance brokerage with strong specialty commercial capabilities and affinity programs; comparable in independent, non-public ownership culture but operates globally.
• Marsh McLennan: Global insurance brokerage and risk advisory firm with deep commercial P&C placement capabilities; comparable product categories but operates as a publicly traded, multinational incumbent.
• Alliant Insurance Services: Large US specialty insurance brokerage with strong California presence and broad P&C, surety, and employee benefits capabilities; comparable product breadth but at significantly larger scale and national footprint.
• Arthur J. Gallagher & Co. One of the largest global insurance brokerages offering commercial and personal lines, risk management, and consulting; comparable end-product mix but operates at vastly greater scale and geographic breadth.

Market position

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about O'Kane & Tegay Insurance Brokers